Kristen Walther-Merkins

Sr. Loan Officer at Highlands Residential Mortgage · Allen, TX

NMLS ID 231119 (opens in a new tab) · verify at NMLS Consumer Access

Kristen Walther-Merkins (NMLS 231119) is Sr. Loan Officer at Highlands Residential Mortgage, based in Allen, TX. Lists Maryland, Texas and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records).

Last verified . Sources: Highlands Residential Mortgage (highlandsmortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    Not listed

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Maryland, Texas, Virginia

    Lender-reported: MD, TX, VA are listed on the lender page, not yet checked with the state regulator.

    Earlier regulator records (not active): FL (expired).

    Contact

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    Employment history

    1. Highlands Residential Mortgage NMLS 134871

      Current · Allen, TX · seen on lender site 2026-10-09

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerlender site · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-09
    Licensed stateslender site · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    Contactlender site · highlandsmortgage.com (opens in a new tab)verified 2026-10-09
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Kristen Walther-Merkins (NMLS 231119), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/kristen-walther-231119, last verified 2026-10-09.

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    Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.